Consumer Lending Officer & UB Manager

First Western Bank & Trust•Eden Prairie, MN

2d•Onsite

About The Position

First Western Bank has a full-time opening for a Consumer Lending Officer & Universal Banker Manager at the Eden Prairie bank location. The pay range for this position is $50,000 - $80,000. Pay is based on several factors which vary according to position. Factors may include: educational and professional background, work experience, and overall qualifications. First Western Bank & Trust cares about and invests in our employees. We offer eligible employees and their dependents comprehensive health benefits and programs, which may include insurance for medical, vision, dental, and more, to help you take care of yourself and your family. Other benefits for eligible employees include 401k with company match, company contribution to Health Savings Account, banking benefits, short-term disability, life and long-term disability, bonding leave, holidays, sick leave, and vacation. Responsible for soliciting, evaluating, negotiating, underwriting, approving or recommending approval, and coordinating the closing of all consumer, in-house mortgage loans, HELOCs, lot loans, bridge loans, construction loans, ready reserve, and credit cards in compliance with the Bank’s lending policies and procedures. Manage the Universal Bankers at the Bank’s Eden Prairie, MN location.

Requirements

Bachelor’s degree or combination of equivalent work experience
Five years’ banking experience
Knowledge of banking regulations and compliance
Knowledge of customer service principles and practices
skilled in Microsoft Office (Publisher, Power Point, Word, Excel, Outlook), and social media platforms

Nice To Haves

Building Relationships – able to grow and maintain strong long-term customer relationships
Business Judgment – able to identify business relationships and make sound decisions that are in the best interest and long-term success of the bank
Communication – excellent written and verbal communication skills to clearly convey information to diverse audiences
Conflict Management – able to immediately identify, address, and help others work towards a peaceful solution
Customer Focus – able to understand customer needs and promote the value of the bank’s products and services
Decision-Making – ability to analyze options and make smart choices
Emotional Intelligence – can navigate difficult situations with empathy and understanding, fostering positive relationships
Empowering – able to identify employee’s greatest strengths and encourage them to develop to the benefit of the team
Interpersonal Skills – can communicate and interact with others in a way that promotes mutual respect and trust
Leadership – proven leadership skills, with the ability to effectively lead and motive teams to achieve objectives
Moral Courage – demonstrates a strong commitment to integrity and ethical conduct in all aspects of work
Negotiation – able to lead negotiations and convert them to mutually beneficial agreements or solutions
Persuasiveness – ability to build strong relationships and trust with colleagues, clients, and stakeholders; fostering collaboration and consensus
Problem-Solving – skilled in identifying and resolving complex problems using analytical and critical thinking skills
Realistic Goal Setting – able to set attainable and realistic goals and to develop a plan for achieving them
Resilience – able to bounce back from difficult situations and maintain a positive attitude and performance
Strategic Thinking – able to envision, analyze, and implement plans that align with the long-term goals and vision of the bank
Talent Development – able to attract, develop, and retain top talent
Teamwork – proven ability to work collaboratively in a team environment to achieve common goals
Time Management – highly organized and efficient, with a proven ability to manage multiple projects and meet deadlines
Willingness to Learn – open to new ideas, seeks opportunities to expand knowledge and skills, actively participates in training programs, and seeks feedback to enhance performance

Responsibilities

Direct the Eden Prairie, MN Universal Banking department and implement overall operating standards
Manage customer service activities to align with the bank’s goals and objectives including regular review of bank products and fee structures
Provide a variety of management and administrative support to executive leadership on special projects
Supervise departmental staff and distribute workloads
Prepare and deliver annual performance evaluations and salary reviews for direct reports
Maintain relationships with key customers through community activities and general business contacts
Responsible for developing new business and maintaining and servicing an existing portfolio. Cross sell and recommend services to meet client needs and expand client relationships
Extend credit to individuals through a wide variety of consumer loans, credit cards, ready reserve, in-house mortgage, real estate (bridge, lot loans and home equity/HELOCS) and/ or construction programs
Analyze applicants’ financial condition and assess risk of financing requests within framework of the Bank’s credit culture and current economic and industry trends
Obtain and assess loan applicants’ credit histories, financial statements, and other financial information
Ensure that credit inquiries and UCC filings are researched to determine credit worthiness and appropriate collateral positioning are achieved
Negotiate terms and conditions, structure loan financing based on risk considerations, approve loans within specified limits and present loan applications outside of those limits for approval to appropriate levels of authority
Advise clients on financial status and methods of payments, including a clear communication in relation to interest rate locks, closing dates, extensions, etc.
Coordinate processing of approved loans; ensure loans are processed according to agreement, client needs and conforms to Bank lending policies
Approve loan disbursements, draws from lines of credit, and fund transfers in accordance with specified limits
Negotiate payment arrangements with clients who have delinquent loans
Analyze potential loan markets and develop referral networks in order to locate prospects for loans
Monitor existing loan portfolio to ensure proper risk ratings and early identification of potential problems
Handle customer questions and take appropriate action to resolve customer complaints
Maintain knowledge and understanding of loan policies, procedures, and regulations which impact the products and services provided
Approve and/or deny credit card applications